Raymond James vs Fifth Third

This page compares Raymond James Financial, Inc. and Fifth Third Bancorp, offering a neutral view of their business models, financial performance, and market context. It explains how each organisation structures client service, risk management, and growth strategy within its sector. The content is designed to be clear and accessible for readers seeking comparisons without bias. Educational content, not financial advice.

This page compares Raymond James Financial, Inc. and Fifth Third Bancorp, offering a neutral view of their business models, financial performance, and market context. It explains how each organisation...

Comparison Snapshot

Key Financial Metrics

RJF

Metric

FITB

$33.10B

Market Cap

$33.13B

5.90%

Potential Profit

-1.38%

Hold

Analyst Rating

Buy

Why It's Moving

Raymond James Strikes $46B Deal to Acquire Clark Capital, Fueling Expansion Push

Acquisition targets Clark Capital's $46B AUM, enhancing Raymond James' scale in asset management.
TD Cowen lifted its price target to $187 from $180 on January 14, signaling analyst optimism for growth.
Recent stock momentum shows gains in 7 of last 10 days, reflecting positive market reception to strategic developments.

Sentiment:

🐃Bullish

Fifth Third Bancorp surges on stellar Q4 earnings beat and Comerica merger green light.

2026 net interest income guidance of $8.6B-$8.8B crushes consensus of $8.27B, signaling sustained profitability amid favorable rate dynamics.
Noninterest income projected at $4.0B-$4.4B for 2026, up sharply from $3.1B last year, highlighting smart revenue diversification.
Merger with Comerica clears all major hurdles, creating a $290B asset powerhouse in high-growth markets with no tangible book value dilution.

Sentiment:

🐃Bullish

Raymond James Strikes $46B Deal to Acquire Clark Capital, Fueling Expansion Push

Acquisition targets Clark Capital's $46B AUM, enhancing Raymond James' scale in asset management.
TD Cowen lifted its price target to $187 from $180 on January 14, signaling analyst optimism for growth.
Recent stock momentum shows gains in 7 of last 10 days, reflecting positive market reception to strategic developments.

Sentiment:

🐃Bullish

Fifth Third Bancorp surges on stellar Q4 earnings beat and Comerica merger green light.

2026 net interest income guidance of $8.6B-$8.8B crushes consensus of $8.27B, signaling sustained profitability amid favorable rate dynamics.
Noninterest income projected at $4.0B-$4.4B for 2026, up sharply from $3.1B last year, highlighting smart revenue diversification.
Merger with Comerica clears all major hurdles, creating a $290B asset powerhouse in high-growth markets with no tangible book value dilution.

Sentiment:

🐃Bullish

Investment Analysis

Raymond James

RJF

Pros

Raymond James Financial demonstrated strong revenue growth of over 9.6% year-over-year, with 2025 revenue reaching $14.03 billion.
The company maintains solid profitability with a net profit margin above 13% and a high return on equity around 18.6%.
It has a diversified business model covering private client services, capital markets, asset management, and banking, reducing dependence on any single segment.

Considerations

Despite recent earnings beat and price target increases, analyst ratings remain mostly neutral to hold, indicating tempered near-term growth expectations.
The stock shows a modest price appreciation over 12 months but faces forecasted price declines in the coming year, which may reflect valuation concerns.
Operating expenses remain high, with significant 'other expenses' that could pressure margins if revenue growth slows or market conditions deteriorate.

Fifth Third

FITB

Pros

Fifth Third Bancorp operates a diversified financial services business with broad geographic coverage and multiple revenue streams.
The company positions itself to benefit from rising interest rates, which can increase net interest margins and overall profitability.
Fifth Third has focused on digital transformation and efficiency improvements to enhance customer experience and reduce operating costs.

Considerations

Exposed to regional economic cycles given its concentration in Midwestern U.S. markets, which could impact loan performance and asset quality.
Faces regulatory risk typical of mid-size banks, including potential capital requirements and compliance costs that could constrain growth.
Competition from larger national banks and fintech disruptors intensifies pressure on margins and customer acquisition.

About The Companies

Raymond James (RJF)

Raymond James Financial, Inc. (RJF) is a diversified US financial services firm best known for its wealth management and investment banking operations. The company combines a large network of financial advisers with capital markets, institutional services and asset management offerings, creating a mix of fee-based and transactional revenue. Investors often watch RJF for its relatively stable recurring revenue from advisory and asset-based fees, which can help smooth volatility from trading and underwriting cycles. That said, results remain sensitive to market conditions, interest rates and investor sentiment, and earnings can fluctuate with market activity. The firm has a history of reinvesting in its advice network and technology to expand client relationships, but faces regulatory oversight and competitive pressures. This summary is educational only, not personalised advice; potential investors should consider risk tolerance, time horizon and seek independent advice when evaluating RJF.

Fifth Third (FITB)

Fifth Third Bancorp (FITB) is a US regional bank based in Cincinnati, offering consumer and commercial banking, wealth management, treasury and payment services. With a market capitalisation around $27.9 billion, the bank serves a diverse mix of retail customers, small and mid-sized businesses, and institutional clients across the Midwest and beyond. Investors should note the company’s sensitivity to interest-rate movements — net interest income can improve when rates rise but may be squeezed by higher funding costs or a shift in deposit behaviour. Credit quality, loan growth and deposit stability are central to performance, and regulatory capital requirements affect capital returns. Strengths can include a broad branch network and growing non-interest revenue streams from payments and wealth management, while risks include economic downturns, increased competition from larger banks and fintechs, and cyclical lending losses. This is general educational information, not personalised investment advice; values can fall as well as rise.

Raymond James (RJF) Next Earnings Date

Raymond James Financial (RJF) is expected to report its next earnings on January 28, 2026. This release will cover Q1 2026 results, following the Q4 2025 report issued on October 22, 2025. Note that the date remains an estimate, as the company has not yet officially confirmed it.

Fifth Third (FITB) Next Earnings Date

Fifth Third Bancorp (FITB) is scheduled to release its next earnings report on Tuesday, January 20, 2026, before market open. This report will cover the Q4 2025 fiscal quarter ending December 2025. The earnings conference call is set for 9:00 AM ET on the same day.

Raymond James (RJF) Next Earnings Date

Raymond James Financial (RJF) is expected to report its next earnings on January 28, 2026. This release will cover Q1 2026 results, following the Q4 2025 report issued on October 22, 2025. Note that the date remains an estimate, as the company has not yet officially confirmed it.

Fifth Third (FITB) Next Earnings Date

Fifth Third Bancorp (FITB) is scheduled to release its next earnings report on Tuesday, January 20, 2026, before market open. This report will cover the Q4 2025 fiscal quarter ending December 2025. The earnings conference call is set for 9:00 AM ET on the same day.

Which Baskets Do They Appear In?

Anti-Fragile Systems

Companies that don't just survive market chaos—they thrive on it. These carefully selected stocks are designed to become more profitable during volatility, offering you a unique way to potentially benefit from uncertain times.

Published: June 17, 2025

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Which Baskets Do They Appear In?

Anti-Fragile Systems

Companies that don't just survive market chaos—they thrive on it. These carefully selected stocks are designed to become more profitable during volatility, offering you a unique way to potentially benefit from uncertain times.

Published: June 17, 2025

Explore Basket

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Comparison Snapshot

Why It's Moving

Raymond James Strikes $46B Deal to Acquire Clark Capital, Fueling Expansion Push

Fifth Third Bancorp surges on stellar Q4 earnings beat and Comerica merger green light.

Raymond James Strikes $46B Deal to Acquire Clark Capital, Fueling Expansion Push

Fifth Third Bancorp surges on stellar Q4 earnings beat and Comerica merger green light.